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Mortgage Credit Analyst Jobs (NOW HIRING)

Capital Farm Credit

Credit Analyst

Lubbock, TX · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Two (2) to four (4) years of experience in the administration and analysis of credit on commercial and mortgage loans including risk assessments and recommendations on approval of new loan or lease ...

First Horizon Bank

Credit Analyst

Atlanta, GA · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

Expected to provide credit analysis support for assigned commercial lending relationships ... and mortgage banking services. First Horizon has been recognized as one of the nation's best ...

First Horizon Bank

Credit Analyst

Atlanta, GA · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

Expected to provide credit analysis support for assigned commercial lending relationships ... and mortgage banking services. First Horizon has been recognized as one of the nation's best ...

First Horizon

Credit Analyst

Atlanta, GA · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

Expected to provide credit analysis support for assigned commercial lending relationships ... and mortgage banking services. First Horizon has been recognized as one of the nation's best ...

Setpoint

$40/hr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

We are looking for a Credit Analyst to join our team ... In this role, you will review residential mortgage loans to ensure compliance with agency ...

Easy Street Capital

Senior Credit Analyst

Austin, TX · On-site

  • Medical

  • Life

  • Retirement

  • PTO

The Real Estate Analyst role is focused on performing all aspects of due diligence with regards to the origination of mortgage loans (valuation, tenant/lease, insurance, borrower credit, etc ...

CCFBank

Credit Analyst

Eau Claire, WI · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

As a Credit Analyst, you would be responsible for analyzing credit information for current and ... Colleague Pricing on Secondary Market Mortgage Loans * Colleague Beyond Save & Spend Accounts Perks

CCFBank

Credit Analyst

Eau Claire, WI · Hybrid

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

As a Credit Analyst, you would be responsible for analyzing credit information for current and ... Colleague Pricing on Secondary Market Mortgage Loans * Colleague Beyond Save & Spend Accounts Perks

Star Furniture

Credit Analyst

Houston, TX · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The Credit Analyst will be part of our Credit Team, playing a critical role in maintaining customer ... A preferred background in banking, retail lending, credit, mortgage, auto financing, or similar

VyStar Credit Union

Senior Mortgage Underwriter

Jacksonville, FL · On-site

$107K/yr

  • Retirement

Senior Mortgage Underwriter ACCOUNTABILITY STATEMENT The Senior Mortgage Underwriter is responsible ... Analyze loan files to determine credit worthiness of borrower. * Prioritize and manage files among ...

Ion Bank

Senior Credit Analyst

Naugatuck, CT · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Ensuring sound commercial loan and mortgage underwriting to maintain and or limit the scope and risk in the Bank's loan portfolio. Providing timely and accurate credit analysis to ensure sound ...

VyStar Credit Union

Senior Mortgage Underwriter

Jacksonville, FL · On-site

$107K/yr

  • Retirement

Senior Mortgage Underwriter ACCOUNTABILITY STATEMENT The Senior Mortgage Underwriter is responsible ... Analyze loan files to determine credit worthiness of borrower. * Prioritize and manage files among ...

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Mortgage Credit Analyst information

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How much do mortgage credit analyst jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for mortgage credit analyst in the United States is $36.19, according to ZipRecruiter salary data. Most workers in this role earn between $20.91 and $53.85 per hour, depending on experience, location, and employer.

What are some common challenges faced by mortgage credit analysts when assessing complex loan applications?

Mortgage Credit Analysts often encounter challenges when applicants have non-traditional income sources, multiple properties, or complex financial histories. Analyzing self-employment income, evaluating fluctuating credit profiles, and interpreting layered documentation require strong attention to detail and analytical skills. Additionally, keeping up with evolving lending regulations and ensuring compliance adds another layer of complexity. Effective communication with loan officers and underwriters is essential to resolve ambiguities and support sound lending decisions.

Do mortgage credit analysts make a lot of money?

Mortgage credit analysts typically earn a median annual salary that is competitive within the financial services industry, with salaries varying based on experience, location, and employer. Entry-level analysts may start with lower wages, while experienced professionals or those with specialized skills can earn higher compensation, often including bonuses or incentives. Overall, the role offers a stable income but is generally not among the highest-paying finance jobs.

What are the key skills and qualifications needed to thrive as a mortgage credit analyst?

To thrive as a Mortgage Credit Analyst, you need strong analytical abilities, attention to detail, and a solid understanding of mortgage lending principles, typically supported by a degree in finance, accounting, or a related field. Familiarity with credit analysis software, loan origination systems, and knowledge of regulatory guidelines such as Fannie Mae and Freddie Mac standards are essential. Strong communication, problem-solving skills, and sound judgment help analysts effectively assess borrower risk and collaborate with clients and colleagues. These skills ensure accurate credit decisions, compliance, and minimized risk for lenders in a highly regulated industry.

What does a mortgage credit analyst do?

A Mortgage Credit Analyst is responsible for evaluating the financial information of individuals or businesses applying for mortgage loans. They analyze credit reports, income statements, debt ratios, and other financial data to assess the risk of lending. Their goal is to determine whether applicants meet the lender’s credit criteria and recommend approval, denial, or modification of loan terms. Mortgage Credit Analysts play a crucial role in helping lenders make informed decisions and in ensuring compliance with regulatory standards.
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Mortgage Credit Analyst jobs near you
Infographic showing various Mortgage Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 75% Full Time, and 25% Contract. Highlights an 75% In-person, and 25% Remote job distribution, with an average salary of $75,267 per year, or $36.2 per hour.

Credit Analyst

University Federal Credit Union

Austin, TX • On-site

Full-time

Re-posted 7 hours ago

Job description

Job Summary
The Credit Analyst supports UFCU's Lending Team and Credit Council by delivering high-quality, insight-driven analysis across consumer, mortgage, and business lending portfolios. This hybrid role blends lending analytics, credit risk evaluation, and operational reporting to enhance decision quality and ensure safe, sound, member-centric lending.
The Credit Analyst plays a pivotal role in UFCU's digital business design by synchronizing data, processes, and people across silos, improving the accuracy, transparency, and speed of credit-related decisions.
This role is ideal for someone who is analytical, structured, collaborative, and driven to improve how teams make decisions together - aligned with UFCU's culture of clarity, consistency, and empowerment.
The Credit Analyst reports to the Chief Lending Officer
About UFCU
Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members' needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members' best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Portfolio & Credit Analytics
  • Produce timely, accurate analytics for loan portfolios, including delinquency, charge-off trends, loan mix, exception rates, and credit tier performance.
  • Support development and maintenance of portfolio dashboards using data visualization tools (e.g., Power BI).
  • Conduct trend analysis on credit quality, origination, risk migration, and evaluate performance of scoring models to enhance credit decisioning.
  • Provide underwriting and pricing insights based on risk-adjusted return and member behavior metrics.

Credit Council Packet & Reporting
  • Own preparation of the quarterly Credit Council packet with CLO.
  • Validate all KRIs and KPIs for accuracy, completeness, and consistency with Enterprise Risk Management.
  • Partner with Lending, Finance, and Compliance to ensure reports reflect up-to-date policy, regulatory, and CECL considerations
  • Present analytical findings clearly and tactfully to support strong cross-functional discussion.

Risk Management & Compliance Support
  • Assist in CECL modeling inputs, stress-testing routines, and static pool performance analysis.
  • Help ensure compliance with NCUA requirements and internal policy standards through data and analytic support.
  • Support independent loan review preparation and quality control metrics.

Cross-Functional Collaboration
  • Work closely with internal partners (Lending, ERM, Finance, Compliance, Technology) to ensure data alignment and decision-quality improvements.
  • Demonstrate strong relational skills and tactful communication to support constructive, trust-centered dialogue.
  • Serve as a connector across silos, enabling decision coordination and shared understanding in support of UFCU's digital business design.

Process Enhancement & Innovation
  • Recommend improvements to underwriting standards, exception processes, and automated decisioning rules based on data insights.
  • Identify data gaps and propose enhancements to systems, reporting structures, and workflows.
  • Support development of a scalable analytics framework that adapts to UFCU's evolving lending strategies and digital offerings.

Other
  • Adheres to all company policies, procedures, and business ethics codes.
  • Completes required regulatory training as assigned.
  • Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Knowledge/Skills/Abilities
Knowledge
  • Deep understanding of credit risk principles, financial statement analysis, and regulatory requirements.
  • Familiarity with credit risk models, loan origination systems, and specialized risk assessment software.

Skills
  • Strong proficiency with Excel and experience with SQL and business intelligence tools (e.g., Power BI, Tableau).
  • Familiarity with CECL methodologies, loan origination systems, and portfolio management tools.
  • Strong quantitative reasoning and ability to synthesize complex information into clear, actionable insights.

Abilities
  • High personal standards, discipline, and follow-through.
  • Analytical discernment - able to evaluate ideas and proposals with balanced, practical judgment.
  • Relationship-oriented communicator who builds trust across teams.
  • Calm, steady presence with resilience under pressure.
  • Commitment to UFCU's member-centric mission and collaborative culture.

Core Competencies
  • Demonstrating Member Obsession
  • Puts themselves in the Member's shoes
  • Looks for friction points
  • Makes it personalized and easy
  • Demonstrating Performance Excellence
  • Sets standards for elevating excellence
  • Ensures elevated quality
  • Takes responsibility
  • Conducts continuous improvement
  • Demonstrating Innovation
  • Challenges current thinking
  • Approaches change with a positive mindset

Experience
Minimum Requirements
  • Bachelor's degree in Finance, Economics, Business, Data Analytics, or a related field required.
  • Minimum 2-4 years of experience in lending, credit analytics, risk management, or financial analysis.
  • Strong analytical and quantitative skills, with proficiency in portfolio analysis, risk modeling, and operational reporting.
  • Experience with data analytics tools and reporting platforms (e.g., Excel, SQL, Tableau, Power BI); experience with digital lending tools is a plus.
  • Advanced Excel, SQL, Power BI, Tableau.
  • Experience in a credit union or regulated financial institution.
  • Must be bondable.

Preferred Requirements
  • DataBricks or Snowflake experience.

Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Frequent
  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
  • Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
  • Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.

Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
  • This position is a hybrid role and requires frequently working onsite at UFCU Plaza in Austin, Texas.
  • This position may involve periodic stressful conditions.
  • May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
  • May occasionally move from one work location/branch to another.
  • Public contact position, requiring appropriate professional appearance.
  • Frequent computer use at a workstation of up to two hours at a time.
  • The noise level in the work environment is usually

#INDUFCU
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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